What Can Bankruptcy Do For Me?

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Bankruptcy may make it possible for you to:

– Eliminate the legal obligation to pay most or all of your debts. This is called a “discharge” of debts. It is designed to give you a fresh financial start.

– Stop foreclosure on your house or mobile home and allow you an opportunity to catch up on missed payments. (Bankruptcy does not, however, automatically eliminate mortgages and other l liens on your property without payment.)

– Prevent repossession of a car or other property, or force the creditor to return property even after it has been repossessed.

– Stop wage garnishment, debt collection harassment, and similar creditor actions to collect a debt.
Restore or prevent termination of utility service.

– Allow you to challenge the claims of creditors who have committed fraud or who are otherwise trying to collect more than you really owe.